Inter & Co. Inc. Class A Common Shares (INTR)vsItau Unibanco Banco Holding SA (ITUB)
INTR
Inter & Co. Inc. Class A Common Shares
$5.34
+4.09%
FINANCIAL SERVICES · Cap: $2.36B
ITUB
Itau Unibanco Banco Holding SA
$8.55
+5.44%
FINANCIAL SERVICES · Cap: $90.16B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 2057% more annual revenue ($143.71B vs $6.66B). ITUB leads profitability with a 32.6% profit margin vs 22.9%. INTR trades at a lower P/E of 8.1x. ITUB earns a higher WallStSmart Score of 77/100 (B+).
INTR
Strong Buy75
out of 100
Grade: B+
ITUB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 23 of every $100 in revenue as profit
Strong operational efficiency at 29.7%
Revenue surging 23.8% year-over-year
Earnings expanding 32.4% YoY
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Areas to Watch
Negative free cash flow — burning cash
Elevated debt levels
Weak financial health signals
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : INTR
The strongest argument for INTR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 22.9% and operating margin at 29.7%. Revenue growth of 23.8% demonstrates continued momentum.
Bull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bear Case : INTR
The primary concerns for INTR are Free Cash Flow, Debt/Equity. Debt-to-equity of 3.10 is elevated, increasing financial risk.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.
Key Dynamics to Monitor
INTR carries more volatility with a beta of 0.95 — expect wider price swings.
INTR is growing revenue faster at 23.8% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (77/100 vs 75/100), backed by strong 32.6% margins and 17.5% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Inter & Co. Inc. Class A Common Shares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Inter & Co. Inc. (ticker: INTR) is a prominent financial services firm in Brazil, distinguished by its innovative solutions in retail and investment banking, as well as wealth management. The company's mission centers around promoting financial inclusion, utilizing cutting-edge technology to improve customer experiences and extend banking access to underserved communities. With a strong focus on digital transformation and operational efficiency, Inter & Co. is well-positioned to capitalize on growth prospects in Brazil's evolving financial sector, rendering it an appealing investment for institutional investors seeking opportunities in emerging markets.
Visit Website →Itau Unibanco Banco Holding SA
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ita Unibanco Holding SA offers a range of financial products and services in Brazil and internationally. The company is headquartered in So Paulo, Brazil.
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